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Protecting Your Manufactured Home in Florence,AZ

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A Guide to Mobile Home Insurance in Florence, AZ:Costs, Coverage, and Considerations

Welcome to Florence, AZ – founded in 1866, it is the sixth-oldest non-Native American settlement in the state of Arizona. It is located in Pinal County and is about 45 minutes away from both the Phoenix and Tucson metropolitan areas. The town is well-connected with three major transportation corridors: Highway 287, Highway 79, and Hunt Highway.

As a full-service municipality, the Town of Florence provides various services to its residents and customers, including police, fire, library, senior center, parks, water, sewer, and more. The town is proud of its history and has designated its downtown area as a National Historic District. It aims to balance preservation of the past with preparing for the future, encouraging new growth and revitalization while maintaining an authentic sense of place.

Education in Florence includes three public schools within the town's boundaries, two K-8 schools, and one high school. There is also a K-6 charter school operated by the American Leadership Academy. The main campus of Central Arizona College is nearby, and Arizona State University's Polytechnic Campus is located in the area, with the main campuses of Arizona State University and the University of Arizona in Tempe and Tucson respectively.

Florence is home to several major employers, including Pinal County, the Town of Florence, Florence Unified School District, Safeway, Florence Hospital at Anthem, Horizon Health, and nine correctional institutions. The town has a population of approximately 27,500, which increases during the day due to the number of jobs available.

Recreational landmarks and areas of interest in and around Florence include the Gila River, which runs through historic Florence, offering scenic views and opportunities for hiking, exploration, and other outdoor activities in the Sonoran Desert. Visitors can also explore landmarks such as the Casa Grande Ruins National Monument, Lost Dutchman State Park, and Boyce Thompson Arboretum State Park.

There are several special events that take place in Florence throughout the year, including the Home Tour of Historic Florence in February, the Country Thunder U.S.A. music festival in April, and the Junior Parada, the world's oldest children's rodeo, held every Thanksgiving weekend.

Florence is known for its historic downtown area and its commitment to preserving the past. The 1891 Second Pinal County Courthouse and numerous adobe buildings showcase Victorian architecture and the town's western roots. The town's collection of adobe buildings includes structures dating back to 1868. Florence's western heritage is also celebrated through events like the Florence Junior Parada, the world's oldest sanctioned youth rodeo.

Outdoor enthusiasts can explore the area's public lands, offering off-roading, hiking, and opportunities to experience the rich botanical, wildlife, and cultural resources of the region. It's worth noting that Florence also has a collection of federal, state, and private prisons, making it a notable feature of the town. The Pinal County Historical Museum showcases historical artifacts, including nooses used in executions and a double electric chair. The museum also pays tribute to western movie star Tom Mix, who died south of Florence. Overall, Florence, Arizona offers a blend of history, outdoor recreation, and cultural events for residents and visitors alike. It embraces its western heritage while also encouraging growth and development.

Understanding Mobile home Insurance in Arizona

Arizona manufactured home insurance typically costs anywhere from $300 to $1,000 per year. Insurance rates are influenced by a combination of factors related to the risk of insuring the property. While specific factors may vary slightly among insurance providers, here's a general list of factors that may be used to determine mobile and manufactured home insurance rates in Arizona:

The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.

  •  Newer homes may be less prone to certain types of damage, and well-maintained homes can qualify for better rates.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
Features like storm shutters, tie-downs, and anchored foundations can reduce the risk of damage and may reduce premiums. On the other hand, amenities like pools or trampolines can increase them.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • he more coverage you want, the higher your premium will be. This includes dwelling coverage, personal property coverage, and liability coverage amounts.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • Homes located in areas prone to natural disasters such as floods, wildfires, or severe storms might have higher premiums. Arizona-specific risks, like monsoons and dust storms, can also play a role.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.
  • If your mobile or manufactured home is in a secured community or a community with features like a community watch or a fire department nearby, it may positively impact your rates.

The materials and quality of construction can influence how resistant a home is to certain types of damage.

Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.

Choosing the Right Mobile Home Insurance for Florence, AZ

While AZ has a lot of laws and regulations that safeguard the interests of mobile home tenants and owners all around the state, it is important to keep tuned into the local laws and regulations in your area! For Florence, we have a few tips to keep in mind when choosing the perfect home insurance solutions for you!

Weather Risks in Florence, Arizona

Excessive heat poses a major risk in Florence, Arizona. Overexposure to extreme heat can lead to heat cramps, heat exhaustion, and heat stroke if not properly addressed. An Excessive Heat Warning indicates a period of very hot temperatures, even by local standards.

Take the following actions to lessen the impact of extreme heat:

  • Stay indoors and seek air-conditioned buildings.
  • Drink plenty of water and avoid dehydrating alcoholic, sugary, or caffeinated drinks.
  • Dress in lightweight and light-colored clothing.
  • Eat small, frequent meals.
  • Monitor individuals at a higher vulnerability to heat, especially small children and the elderly.
  • Check on family, friends, and neighbors regularly, especially those who are more susceptible to heat-related issues.
  • If engaging in outdoor activities, take longer and more frequent breaks and avoid the hottest parts of the day.

Recognize the signs and symptoms of heat-related illnesses, such as thirst, muscle cramps, cool and moist skin, headache, dizziness, weakness, and exhaustion.

The most serious heat-related illness is heat stroke, which requires immediate medical attention and may present with symptoms such as vomiting, confusion, throbbing headache, decreased alertness, high body temperature, rapid pulse and breathing, and seizures. Heat stroke can be deadly.

Thunderstorms are a weather risk in Florence, Arizona. Lightning and heavy rainfall are common during thunderstorms. In addition to the general risks associated with thunderstorms (e.g., lightning strikes, strong winds, and flash flooding), mobile home owners may face specific challenges like flooding, where their homes are more susceptible to water damage during heavy rainfall and flash floods than traditional houses due to their design and vulnerability to water penetration.

Microbursts are smaller-scale versions of downbursts. Downbursts occur when strong winds drop to the ground, forcing air to spread out in all directions. Microbursts are visually impressive and can produce intense, localized wind gusts. Although microbursts are not as well-known as tornadoes, they can still cause significant damage. When experienced alongside thunderstorms with lightning, microbursts can create a visually stunning and potentially dangerous weather phenomenon.

Florence, AZ Neighborhoods to consider

Property Crime Rates

Florence, Arizona experiences a moderate level of property crime and is quite a safe city, ranking higher than 80% of other U.S. cities! The property crime rate includes offenses such as burglary, theft, motor vehicle theft, and arson. While Florence is generally a safe community, it is still important to remain vigilant and take precautions to protect your property. Florence reports only 2 crimes per sq. mile while Arizona’s average is close to 28!

Inflation Protection

Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.

Cancellation Policy

Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.

Potential Rate Increases

Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.

Consider Additional Coverage

Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.

Compare Deductibles and Premiums

Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.

Group Discounts

Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.

Keep in Mind

While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.

Did You Know ?

RV owners in Arizona are also required to have insurance coverage, often referred to as RV insurance or recreational vehicle insurance, that provides liability coverage and protection against damages and losses!

Arizona Mobile Home Resources
Mobile Homes in AZ.

Mobile homes account for roughly 15 percent of Arizona’s total housing units - which equals out to around 305,000 mobile home units in The Great Grand Canyon State!

Within most regulated areas of Arizona, a multi-sectional manufactured home can be placed in any location in which a site-built home is permitted.

A single wide mobile home can also be placed in any location in which a site-built home is permitted, in a mobile home subdivision, or in a mobile home park – all that you need is a development permit handy!

The MVD is responsible for issuing certificates of title to mobile homes.

  • The Arizona Motor Vehicle Division (MVD) is responsible for issuing certificates of title for mobile homes.
  • A $7 title fee is required for each section of the mobile home.
  • Mobile homes that are affixed to real property do not receive titles from MVD.

To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.

When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.

MVD will then issue a receipt for the surrender of the title(s).

If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.

Please note, these are general guidelines, and it is advisable to consult the Arizona Motor Vehicle Division or visit their website for specific instructions and requirements when applying for a mobile home title.

Learn about the MHD

The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.

The Mobile Home Relocation Fund is a state sponsored aid package that is administered by the Arizona Department of Fire, Building and Life Safety (see If you are a mobile home park tenant, you may have access to money from the Mobile

Home Relocation Fund in the case of:
(i) closure of the park
(ii) redevelopment of the park
(iii) a qualifying rent increase
(iv) a change in community age restriction; or
(v) rehabilitation of a pre-HUD home (built before June 15, 1976)

Coastal Property :
Insurance Pool

Unlike certain coastal states, Arizona doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Arizona need to look for insurance through private providers.

Know your rights!

Even though it's not a legal requirement in Arizona, mobile home insurance is often a wise investment to safeguard your property. Read through the following guides to help familiarize yourself with rules and regulations in Arizona:

Add-Ons, Endorsements, and Riders in Arizona

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

  • Sewer and Water Backup
  • Equipment Breakdown
  • Inflation Guard/Guaranteed Replacement Cost
  • Personal Property Replacement Cost
  • Home Business
  • Watercraft
  • Identity Theft
  • Personal Injury
  • Secondary Residence
  • Limited-Term Endorsements
  • Floaters/Riders for high-value items

It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.

Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include: 


  • Catastrophic Events: war is a common exclusion, as it will likely affect a huge number of people, damage caused by war would not be covered.
  • Existing Coverage: if a cause of loss is covered by another type of policy, the insurance company will avoid double coverage.
  • Actions Within Control: if the damage could be easily prevented by an insured, that may be excluded. A common example would be excluding damage to personal property left out in the open caused by rain, snow, ice, or sleet.
  • Non-accidental Incidents: Most policies will not cover damage caused on purpose.
  • Regular Wear and Tear: if proper maintenance or replacement would have prevented the damage, normal wear and tear are not covered.
  • In Motion: Generally, coverage under an insurance policy doesn’t apply while a mobile home is in motion. Some insurers may offer temporary coverage for physical damage that occurs while a mobile home is moving. If you want this kind of coverage, it’s best to speak with an insurance provider.
  • Earthquakes:

Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is    important for mobile homeowners to understand the coverage limitations in case of earthquake damage.


  • BSL-Preemption Law in Arizona:

Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.

Finding A Manufactured Home in Florence, AZ

If you're in the market for a mobile or manufactured home in Florence, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local and national manufactured home retailers, manufacturers, dealers, and communities in Florence. Whether you're looking for a reputable retailer, a high-quality manufacturer, a trusted dealer, or a welcoming community, this guide will help you navigate the options available to find the perfect fit for your needs. Read on to discover some of the top choices in Florence, AZ when it comes to manufactured homes and related services.

Sunrise Village

Dive into the Thesman lifestyle at Sunrise Village, exclusively designed for Active 55+ living. With newly remodeled homes starting in the $90’s, we prioritize both value and luxury. Our gated enclave boasts a myriad of amenities: a bustling calendar of events curated by our Activity Director, an elegant clubhouse, fitness center, heated pool, and a courtesy shuttle service. Visit Sunrise Village and step into the vibrant life you've always envisioned!

Florence Gardens

Welcome to Florence Gardens, a picturesque adult community of 1,219 lots, highlighted by a stunning pool area, expansive clubhouse with an annex, and a modern pickleball court. Here, you will find that they prioritize the active lifestyles of their seniors, offering a plethora of seasonal activities for all residents. Their mission is to ensure a financially secure environment, foster unity among owners, uphold community guidelines, safeguard and enhance association properties, and ultimately, boost the value of each owner's property. Dive into a community that truly cares!

Mobile Homes on Main

Mobile Homes on Main, a prominent sector of a national manufactured home retail company, prides itself on delivering factory-direct, finely crafted homes across the US. With a legacy of decades and thousands of satisfied customers, they are the nation's leading independent manufactured home retailer. Their model village showcases the stellar craftsmanship of the Cavco brand, honored as the MHI manufacturer of the year and reputed since 1965. Catering to Arizona and extending services to California, Utah, New Mexico, and Colorado, they prioritize a streamlined, professional home buying experience, particularly evident in theirr Cavco On-Site Program that simplifies post-delivery procedures.

Sun City Anthem at Merrill Ranch

Sun City Anthem at Merrill Ranch in Florence, Arizona welcomes you to a lively 55+ Active Adult community where resort-style living blends seamlessly with everyday life. Newly constructed homes are set amidst a plethora of amenities: a sprawling 48,000 sq. ft. recreation center, an 18-hole golf course by Troon Golf, and the Anthem Grille to name a few. Residents can enjoy both indoor and outdoor pools, a state-of-the-art fitness center, and a diverse range of clubs and classes. The community boasts an onsite grocery store, hospital, craft rooms, a softball stadium, and an indoor walking track. Whether it's playing pickleball, tennis, or bocce, or participating in crafting, every day is an adventure here.

Caliente Casa De Sol

Caliente Casa De Sol in Florence, Arizona is a tranquil 55+ RV resort retirement community nestled between Phoenix and Tucson. Catering to both the social and fitness needs, this serene haven offers rental spaces for 5th wheels, motor homes, and trailers. Residents can indulge in an array of amenities including a swimming pool, golfing facilities, games room, hiking and cycling trails, and a spa. For those looking for more outdoor activities, there are bushwalking trails, picnic areas, ATV riding paths, and shuffleboard courts. Inside, a pool table awaits enthusiasts. Surrounding the resort are several championship golf courses within a 50-mile radius, catering to the recreational desires of the RV enthusiasts.

Finding the Best Mobile Home Insurance Ann Arbor, MI?

Choosing CoverTree’s insurance means you get:


This one's all about safeguarding your mobile home against any losses. If something happens to your home, you'll usually get compensated based on its replacement cost, which means you won't be left empty-handed.

Appurtenant Structures

Think of this as protection for other structures on your property, like detached garages or sheds. Good news! They're typically covered for up to 10% of your dwelling amount, and you won't have to pay extra for it.

Personal Property

This is all about your belongings. If you ever experience a loss, this coverage will help you out, but how much you get depends on the type of policy you have. Some companies offer replacement cost coverage, which is even better! Additional Living Expenses (Coverage D): If you

Additional Living Expenses

If you ever have to live somewhere else because of an insured risk, this coverage will cover the extra costs, like hotel bills or meals, up to 20% of your insurance on the house.


Ever worried about accidents that could happen to others on your property? This coverage has your back in case you get legally responsible for any bodily injury or property damage.

Medical Payments

Immediate care expenses for someone hurt on your property are taken care of with this coverage. Different companies offer different coverage amounts.

Property of Others

If you accidentally cause damage to someone else's property, this coverage provides replacement cost coverage for it. Again, the amount varies from insurer to insurer.

Off-Premises Loss

Don't worry about leaving your stuff behind when you're away from home. This coverage extends to your personal property outside the mobile home, like in your car or a hotel room, up to 10% of your total contents coverage.

Special Items

Keep in mind that certain special items, like expensive jewelry or fancy gadgets, may have specific limits on coverage. Just check with your insurer to know the details.

Finding the Best Mobile Home Insurance in Florence, AZ

It's essential to compare quotes from various insurance providers and work with local agencies that understand Florence's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for! These are some things you should look out for in an insurance plan for Florence:

Florence, AZ and surrounding areas are prone to wildfires. Make
sure your insurance policy includes coverage for wildfire-related damage.

Florence, AZ experiences occasional dust storms
and haboobs that can cause damage to your home. Check for coverage specifically for
these kinds of events.

Monsoon storms can bring flooding, high winds, and
hail, which can cause significant damage to mobile or manufactured homes. It's crucial
to check that your policy has coverage for these hazards.

Arizona has some of the most active faults in the United States,
which makes it necessary to have coverage for potential earthquake damage.

Florence experiences harsh winters
with heavy snowfall. Having coverage for issues like roof collapse due to the weight of
snow or damage from ice dams can be crucial.

Mobile homes in Florence are
susceptible to wind and snow damage. A comprehensive home insurance policy should
include added coverage for these types of damage.

While not common, flooding can occur in Florence
and the surrounding areas. It's important to confirm with your insurance provider
whether or not flood damage is included in your policy.

Hailstorms are another common occurrence in Florence.
Homeowners should make sure their home insurance policy offers protection against
hail damage to avoid high repair costs.

A mobile or manufactured home
insurance policy in Florence should cover personal property in the event of damage or
theft. Homeowners should ensure that their coverage limit is sufficient to protect all of
their possessions.

This coverage can protect homeowners from lawsuits if someone is
injured while on their property.

Ensures that your damaged property is replaced with
new items at current market prices, regardless of their depreciated value.

Covers the cost of temporary living
arrangements if you are unable to live in your mobile home, manufactured home,
prefabricated home, or RV due to covered damages.

Provides coverage for medical expenses if a guest is
injured on your property or in your RV, regardless of fault.

For mobile homes or manufactured homes
that are unoccupied for extended periods, this coverage protects against risks
associated with vacant properties, such as vandalism or theft.

Offers assistance if your RV breaks down
while on the road, including towing, battery jump-starts, fuel delivery, and locksmith

Provides an extra layer of liability protection beyond the
limits of your underlying mobile home, manufactured home, prefabricated home, or RV
insurance policy.

Protects you financially if you
are involved in an accident with a driver who is uninsured or underinsured.
Insurance coverage and requirements may vary between different insurance providers.

It is recommended to consult with an insurance agent or company specializing in mobile
home insurance in Florence, AZ to understand the specific coverage options available
to you. It's important to discuss these specific coverage needs with your insurance
provider, as they will have a better understanding of the risks associated with Florence,
AZ, and can tailor a policy that meets your unique requirements.

 Additional Living Expenses
 Trees, shrubs, plants and lawns
 Debris Removal
 Emergency Removal Service and Emergency Repair after a loss
 Credit Card and Check Forgery
 Fire Department Service
 Food Spoilage coverage
 Personal Injury Protection coverage
 Locksmith coverage
 Golf Cart coverage

So what are you waiting for? Click here to get a quote now! CoverTree has got your back!

Now that you've got the lowdown on mobile home insurance coverage in Florence, AZ, don't hesitate to get a CoverTree quote now.

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